安大略省注册保险经纪人-ON-RIBO (The Registered Insurance Brokers of Ontario)

关于安大略省注册保险经纪人About RIBO 飞出国##

安大略省注册保险经纪人(RIBO)是安大略省保险经纪人的自律监管机构。RIBO始建于1981年10月,负责监管省内所有独立一般保险经纪人的许可证,职业技能,道德行为以及保险相关的经济责任。

The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory body for insurance brokers in Ontario. Established in October 1981, RIBO regulates the licensing, professional competence, ethical conduct, and insurance related financial obligations of all independent general insurance brokers in the province.

http://www.ribo.com/index.php?option=com_content&view=article&id=9&Itemid=3

许可证 Licensing 飞出国##

直接处理公众财产和意外事故险交易的个人和公司都必须要获得许可证。每个公司也必须有至少一名员工,且该员工是“非限制性”注册类的委托经纪人。

Any individual and/or firm who deals directly with the public on any property and casualty insurance transaction must be licensed. Each firm must also have at least one individual who holds the “Unrestricted” class of registration to act as the Principal Broker.

http://www.ribo.com/index.php?option=com_content&view=article&id=20&Itemid=23

个人许可证 Individual Licensing飞出国

所有人必须满足Section 5 of Ontario Regulation 991 of the RIB Act规定的“任职资格”。包括但并不仅限于以下内容:

通过考试并符合“资格”的个人会收到一份附在通过信之后的就业证明信的表格。必须要完成这份表格,由委托经纪人签字后,并和规定的注册费用一起寄回给RIBO。

每年的注册费用(当前是$170.00,如有变更不另行通知)是从10月1日到次年的9月30日。在七月,八月和九月份的新注册需要支付当前年费的50%,并另付整年的更新费用(因此当前的总费用为$255.00)。注册证书将会于第二年9月30日失效。不足一年也不会扣除费用。整年或不足一整年的费用都概不退还。

必须要在完成考试之日起的12个月内,完成注册。如果没有完成,申请人必须重新参加考试。很遗憾,没有延期。

非活跃公司的注册费用和个人注册费用一样。

一旦完成注册,所有保险经纪人必须遵守RIBO继续教育规定。

通过考试,但是还未注册,且未收到注册证书不能从事经纪人工作。没有注册证书但仍从事经纪人工作的,资格和注册委员会将对其档案进行审查,可能会危机许可证资格。

All individuals must meet the “qualifications” outlined in Section 5 of Ontario Regulation 991 of the RIB Act. This includes, but is not limited to:

  • Passing the Entry Level examination or its Equivalency;
  • Satisfying the “only business or employment” requirement;
  • Employment with a RIBO registered general insurance brokerage firm. Employment (sponsorship) is not required to write the examination but is a requirement for registration.

Individuals who pass the examination and are otherwise “qualified” will be sent an Employment Letter Form attached to their passing letter. This form must be completed and signed by the Principal Broker of the brokerage and returned to RIBO with the required registration fee.The annual registration fee (currently $170.00 and subject to change without notice) covers the period from October 1st to September 30th. New registrations processed during the months of July, August and September are required to pay 50% of the current annual registration fee plus the full annual renewal fee (thus total fees required is currently $255.00).The certificate of registration will expire September 30th of the following year. Otherwise no reduction is allowed for part of a year. Fees are not refundable in whole or in part.

Registration must be completed within twelve (12) months from the date of successful completion of the examination. If registration does not occur within twelve (12) months, the applicant will be required to write the examination again. We regret there are no extensions.

The registration fee for the non-active firm is the same as it is for an individual registration.

Once registered, all licensed insurance brokers must comply with RIBO continuing education requirements.

Individuals who have passed the examination but who have not registered and not received their certificate of registration CANNOT hold themself out as or act in the capacity of a broker. Acting as a broker without a certificate of registration will result in your file being reviewed by the Qualification and Registration Committee and may jeopardize your eligibility for licencing.

http://www.ribo.com/index.php?option=com_content&view=article&id=497&Itemid=136

考试 Examinations 飞出国##

建议计划参加考试的人认真查看考试“标准”。

It is recommended that individuals planning to write an examination carefully review the “Standards” for their examination.

http://www.ribo.com/index.php?option=com_content&view=article&id=495&Itemid=279

入门水平 Entry Level(在监管下工作)###

一旦完成入门水平或同等水平考试,考生就具备了“在监管下工作”。受“监管下工作”限制的经纪人不能控制信托基金,担任“委托经纪人”或成为独资经营者。

新的注册人员受“一般保险,而不是事故和疾病险” (RIBO By-law No. 1, Part XV, Section 15.4)的限制。意外险和疾病险是安大略省金融服务委员会的人身险代理许可证中最常见的部分。安大略省金融服务委员会有具体的意外险和疾病险考试。通过提交当前的人身险许可证,包括意外险和疾病险的许可证,或提交通过意外和疾病险考试的证明,意外和疾病的限制就可以从RIBO注册里删除。

另外,通过了当前的入门级考试的新注册人在旅游健康考试中至少获得满分的60%,就可以销售旅游健康保险。没有通过考试的人可以参加单独的旅游健康考试。

通过了第二等级的考试,即“不受限- 技术”和“不受限 – 管理”之后,对“在监管下工作”的限制也会取消。

Upon completion of the Entry Level or Equivalency examination, an individual is eligible with the restriction of “Acting Under Supervision”. A broker who is restricted to “Acting Under Supervision” cannot control trust funds, act as a “Principal Broker”, or operate as a sole proprietor.

New registrants are restricted to “General Insurance Other Than Accident & Sickness” (RIBO By-law No. 1, Part XV, Section 15.4). Accident & Sickness insurance is most commonly included as part of a Life Insurance Agent’s License from the Financial Services Commission of Ontario. The Commission has a specific Accident & Sickness examination. The Accident & Sickness restriction can be removed from a RIBO registration by submitting a copy of a current life license including Accident & Sickness or evidence of passing the Accident & Sickness examination.

Also, new registrants who pass the current Entry level examination with a minimum of 60% in the Travel Health section of the examination may sell Travel Health Insurance. Individuals who are not successful may write a separate Travel Health examination.

The restriction of “Acting Under Supervision” can be removed by passing the second level of examinations, the “Unrestricted - Technical” and the “Unrestricted - Management”.

http://www.ribo.com/index.php?option=com_content&view=article&id=11&Itemid=285

自学资源-入门等级考试 Self Study Resources - Entry Level Exam 飞出国####

除了以下可用的资源,和教材上的解释和信息内容,学习政策内容也有利于考试准备。

自学资源包括:

RIB Act, Ontario Regulations 989, 990 and 991 and RIBO By-laws

在线课程或课本课程来自:
安大略省保险经纪人协会
1 Eglinton Avenue East, Suite 700
Toronto, Ontario
M4P 3A1
Telephone: (416) 488-7422 / 1-800-268-8845
Fax: (416) 488-7526

在线和教材上自学项目面向IBAO的所有会员和非会员,请通过chutchinson@ibao.on.ca联系Claudette Hutchinson,了解注册信息或购买教材。

自学包即“RIBO Licencing Kit”,可通过以下方式获得:

安大略省保险研究所

18 King Street East, 6th Floor
Toronto, Ontario
M5C 1C4
Telephone: (416) 362-8586
Fax: (416) 362-1126
www.insuranceinstitute.ca

安大略省保险研究所会为自主学习考试资料的人提供内部教程。请通过给该邮箱IICmail@insuranceinstitute.ca发送邮件联系客服,咨询有效性、位置和注册信息。

In addition to the resources available below, it is excellent exam preparation to study the policy forms in addition to the explanations and coverage of information in the text material.

Resources for self study include:

The RIB Act, Ontario Regulations 989, 990 and 991 and RIBO By-laws

An online and/or textbook program from:
Insurance Brokers Association of Ontario
1 Eglinton Avenue East, Suite 700
Toronto, Ontario
M4P 3A1
Telephone: (416) 488-7422 / 1-800-268-8845
Fax: (416) 488-7526
www.ibao.org

The online and textbook self-study program is available to both members and non-members of IBAO. Please contact Claudette Hutchinson at chutchinson@ibao.on.ca for registration information or to purchase textbook.

A self study package called “RIBO Licencing Kit”, available from:

Insurance Institute of Ontario
18 King Street East, 6th Floor
Toronto, Ontario
M5C 1C4
Telephone: (416) 362-8586
Fax: (416) 362-1126
www.insuranceinstitute.ca

The Insurance Institute of Ontario offers in-house tutorials to those individuals self-studying the examination material. Please contact Customer Service at IICmail@insuranceinstitute.ca for availability, locations and registration information.

http://www.ribo.com/index.php?option=com_content&view=article&id=63&Itemid=276

非限制-管理 Unrestricted - Management 飞出国###

如果成功通过“非限制-管理”考试和“非限制-培训”考试,考生就具备了进行“非限制”注册和担任代理业务的主要代理人的资格。不过,具备进行“非限制”注册资格的人仍要遵守所在公司主要代理人的规定。

要申请参加“非限制-管理”考试,考生必须要根据 “监管下从事”或“非限制-技术”的规定,符合RIBO注册资格,并且在RIBO注册的公司至少有两年的工作经验。

即使成功通过“非限制-管理”考试,仍然要遵守“监管下从事”。建议所有要参加考试的考生应该认证阅读管理技能标准。

Successful completion of both the “Unrestricted - Management” examination and the “Unrestricted - Technical Only” examination qualifies an individual to the “Unrestricted” registration and therefore eligible to act as the Principal Broker of a broker business. However, individuals who hold an “Unrestricted” registration will still be under the direction of the Principal Broker of the firm they are employed by.

To make application to write the “Unrestricted - Management” examination, an individual must hold a RIBO registration restricted to “Acting Under Supervision” or “Unrestricted - Technical Only” and have been actively employed for at least two (2) years with a RIBO registered firm.

Successful completion of only the “Unrestricted - Management” examination will not remove the restriction of “Acting Under Supervision”. It is suggested that all those planning to write the examination carefully review the Standards for Management Skills.

关于考试 About the Examination

“非限制”注册的管理技能考试时长为3小时,试题包括3部分。每个部分至少完成60%,且整个试卷必须完成75%才能成功通过考试。如果第1部分或第3部分没有拿到最低分,但拿到了整份卷的75%,则可以只重考未通过的部分。否则所有部分(3部分)都要重考。

试题是由经验丰富的保险专家团队共同出的,且每年修改两次,并根据保险行业的相关立法进行调整。

The examination for Management Skills of the “Unrestricted” registration is three (3) hours in length and is comprised of three (3) parts. A minimum of 60% in each part and an overall total of 75% must be obtained to qualify successfully. Failure to obtain the minimum mark in either Part 1 or Part 3, provided the passing mark of 75% was obtained, a rewrite of that part alone would be granted. Otherwise, ALL three (3) parts of the examination must be rewritten.

The examination was developed by a team of experienced insurance professionals. It is revised bi-annually and with any legislative changes to the insurance industry.

分值分配 Marks Allotted

部分 - 简答题 - 总分 - 总分的60%为及格分 - 考试内容

  1. RIB法规 – 选择题 - 20 - 12- 17%
  2. 行政和财务 - 简述题 - 85 - 51 70%
  3. RIBO表格1; 财务报表 - 简述题 - 15 - 9 - 13%

Parts - Style of Answer - Total Marks - 60% Pass Mark - Exam Content

  1. RIB Act and Regulations - Multiple Choice - 20 - 12 - 17%
  2. Administration and Finance - Narrative - 85 - 51 - 70%
  3. RIBO Form 1; Financial Statement - Narrative- 15 - 9 - 13%

http://www.ribo.com/index.php?option=com_content&view=article&id=598&Itemid=275

非限制 - 技术考试 Technical Exam 飞出国###

符合CAIB或CIP资格的考生可以免除非限制技术考试。要申请免于考试的考生,必须前往资格和注册部门完成以下事情:

确认免试的资格(符合CIP资格的个人必须要有一份证明其商业知识的成绩单副本)

出具一份公司主要代理人的证明信

Individuals who hold a CAIB or CIP designation may qualify for an exemption from the Unrestricted Technical exam. To apply for an exemption, individuals must forward to the Qualification & Registration Department:

confirmation of the designation (individuals with the CIP designation must also include a copy of their transcript to verify sufficient commercial lines knowledge)
a letter of support from the Principal Broker of the firm

关于考试 About the Examination

“非限制-技术”注册考试时长为3小时,试题包括3部分。必须拿到试题至少每部分的60%和总分的75%,这样才能通过考试。如果得不到每部分的最低分,则需要重考所有部分。

试题是由经验丰富的保险专家团队共同出的,且每年进行修改两次,并根据保险行业的相关立法进行调整。

The examination for the “Unrestricted - Technical Only” registration is three (3) hours in length and is comprised of three (3) parts. A minimum of 60% in each part and an overall total of 75% must be obtained to qualify successfully. Failure to obtain the minimum in each of the three (3) parts would require a rewrite of ALL three (3) parts of the examination.

The examination was developed by a team of experienced insurance professionals. It is revised bi-annually and with any legislative changes to the insurance industry.

分值分配 Marks Allotted

部分 - 简答题 - 总分- 总分的60%为及格分 - 考试内容

  1. 保险的概念、原则和实践 - 多选题 - 20 - 12 - 20%
  2. 案例分析 - 简述题 - 60 - 36 - 60%
  3. 表格认知 - 简述题 - 20 - 12 - 20%

Parts - Style of Answer - Total Marks - 60% Pass Mark - Exam Content

  1. Insurance Concepts, Principles & Practices - Multiple Choice - 20- 12 - 20%
  2. Case Study - Narrative - 60 - 36 - 60%
  3. Forms Recognition - Narrative - 20 - 12 - 20%

http://www.ribo.com/index.php?option=com_content&view=article&id=496&Itemid=280

同等学力 Equivalency 飞出国###

当前在其他省份获得许可证的成员,或在安大略省金融服务委员会(FSCO)获得“人身保险外 (OTL)”许可的成员,有资格参加同等学历的考试(根据RIB Act, Regulations & By-laws and Ontario Automobile),不用参加长达3个小时的考试,但是必须要提交以下材料:

截至目前的工作经验简历

所在地省份出具的权威的证书(信用证书)

其他财产&意外许可证副本

其他行业资格副本

通过以下联系方式,把以上资料寄出去:

Email: registration@ribo.com

fax: (416) 365-7664

如果符合资格,相应的申请信息资料会邮寄到简历上的地址。

Individuals who are currently licensed in another jurisdiction or who are licensed as “Other Than Life (OTL)” with the Financial Services Commission of Ontario (FSCO) may qualify to write our equivalency examinations (RIB Act, Regulations & By-laws and Ontario Automobile), instead of the full 3 hour examination, and must submit the following for review:

resume outlining experience to-date
Certificate of Authority (good standing) from the home jurisdiction
copy of any property & casualty licenses held (OTL or in other jurisdictions)
copy of any industry designations held.
The above documentation can be forwarded to registration@ribo.com or by fax to (416) 365-7664. If eligible, the appropriate application information package will be mailed to the address indicated on the resume.

http://www.ribo.com/index.php?option=com_content&view=article&id=3&Itemid=278

申请参加考试 Applying for the Exam 飞出国##

如何申请参加考试 How to Apply to Write the Examination

1.  向RIBO寄送以下材料: 
  • 考试申请表格 全部完成并签字 (如果您没有申请表,请填写“信息/申请需求”表格,并选恰当的申请请求寄送表格给您)
  • 向“RIBO”支付合适的考试费(不接受保付支票和信用卡)。请在支票或汇票的背面签字。
  • 两张当前护照尺寸的照片(黑色/白色或彩色的),且在照片背面签字
  • 由当地公安局出具的无犯罪证明(在最近60天内)。不接受由第三方出具的无犯罪证明。

注意: 无犯罪证明必须是原件,不接受复印件或电子扫描件。

2.  “多伦多”考试中心
  • 如果RIBO接收到以上材料,它就会向您寄送书面确认函,确认函的内容包括考试地点和考试时间。不能向RIBO打电话预约考试时间。考试时间是提前拟定好的,不能打电话预约。

    3.其他考试中心

  • RIBO会向您选择的考试中心寄送试题,同时也会寄给您一封信,建议您向考试中心的人联系,让他帮您安排考试日期。所有的考试必须在信中规定日期30天内考完。RIBO并不指定考试时间。如果您已为考试做好了准备,请寄送考试申请。

  1. Send to RIBO the following:
  • Appropriate Exam Application Form - fully completed and signed (If you do not have an application form, please fill out the “Information/Application Request” form and select the appropriate application to be mailed to you)
  • Appropriate Examination Fee as indicated on the Examination Schedule and Centres Form made payable to “RIBO” (postdated cheques and credit cards are not accepted). Please print your name on the back of the cheque or money order.
  • Two (2) current passport sized photographs (black/white or colour) with your signature on the back of the photographs
  • A recent (within the past 60 days) Criminal Record Check from your local police. Third party criminal checks will not be accepted. Note: An ORIGINAL Criminal Record Check is required. Photocopies or electronic copies will not be accepted.
  1. For “TORONTO” Examination Centre
  • RIBO will send you written confirmation once all the above items (in step 1) have been received, regarding the place, date and the time of the examination. DO NOT CALL RIBO to reserve an Exam Date. Dates are assigned on a first come first serve basis and will not be reserved over the telephone.
  1. For “OTHER THAN TORONTO” Examination Centres
  • RIBO will send an exam to the examination centre that you have selected. A letter will be sent advising you as to who you should contact at that centre in order to arrange an examination date. All exams must be written within 30 days of the date of the letter. RIBO does not set the date or time for these exams. Please send the application when you are prepared to write the examination.

需携带的考试用品 What to Bring to the Examination 飞出国###

不可编程的计算机

钢笔/铅笔(建议使用铅笔)

有照片的证件(例如驾驶本,护照)

Calculator basic, non-programmable
Pen/pencil we recommend pencil
Photo identification (ie. Driver’s Licence, Passport)

考试成绩 Examination Results 飞出国###

试卷由审查官评判,考试成绩会尽快通过信件通知给考生。出于保密,考试成绩不会以电话、传真和邮件的形式公布。建议考生在考试成绩公布之前对一两科的考试成绩进行复查。

The examination is marked by examiners and individuals are advised of their results by mail as soon as possible. For confidentiality reasons, examination result information will not be released by telephone, fax, or email. Candidates are advised that all examination results which are within one and/or two marks of a pass are reviewed and/or remarked prior to the release of the examination results.

退费Refunds 飞出国###

考试费用不能退还,除非在考试前7天收到取消考试的书面通知。如果未在RIBO或其他考试中心规定下,按时参加考试,且RIBO未在考试的7天前收到退款通知,则考试的费就会自动被扣除。如果要求重新安排一次考试,则需要在考试之前全额支付额外的考试费。

The examination fee is not refunded unless written notice has been received seven (7) days prior to the examination date. If the examination is not written on the date scheduled at RIBO or any other examination centre and RIBO has not been contacted for a refund or to reschedule prior to the seven (7) days, the exam fee is automatically forfeited. A full additional examination fee will be required prior to rescheduling a new examination date.

官网: http://www.ribo.com/

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